Stating "because my lawyer told me to" is not the right answer (although that could be the start of the sentence followed by some kind of coherent answer about why it's there).

Your last sentence in this post answered your question.  

Btw my first thought when I read the first sentence was season 1 of "Ozark"😂 Oh, and Roll Tide!

It was because he's aware of how fast the market is moving... and guesses (probably correctly) that that's where present market value may be.I may have overstated things in my first sentence.

Spot on with your last sentence! 

Criminal history is taken on a case-by-case basis, primarily looking to see how long it's been since they were sentenced and how they've lived since then.

Your first sentence is absolutely the best practice. 

Bad locations, bad operators, and over-leveraging can be a death sentence when the market isn't there to bail these deals out. 

I am seriously considering this.As a quick rule of thumb - You'll generally see an improvement in your pricing with every 20 points you gain (Ex. 700-719, 720-739, 740+).This sentence helped me to make sense of what the CU banker tried to communicate with me.

But as I read the first few sentences, I got happy for you.